Choose the Best Loan Option for You
Whether you’re simplifying debt, handling an unexpected expense, or finally taking that long-awaited vacation, a Personal Loan from Ephrata National Bank gives you room to move forward with confidence. Our local team takes the time to understand what you need and helps you find a loan that fits comfortably into your budget.
Personal Loan Amount Calculator
Wondering how much you need to borrow? Use the calculator below to get an estimate that considers your needs and goals.
Financial Know-How Starts Here
From helping you manage your budget to saving for big milestones, our team has you covered.
Personal Loan FAQs
Personal loans can be used for many everyday needs – like consolidating higher-rate debt, covering an unexpected expense, funding a home project, or paying for a major purchase. If you’re unsure whether your purpose qualifies, our team can help.
Personal Loan: You receive a one-time lump sum and repay it with fixed monthly payments over a set term (ENB terms are 12–60 months).
Personal Line of Credit: You get ongoing access to funds up to your credit limit. You can borrow, repay, and borrow again as needs come up. ENB’s personal line of credit has a variable rate and no fixed maturity date.
ENB’s personal loan and personal line of credit options referenced here are unsecured, meaning they typically don’t require collateral.
Yes. ENB offers a 0.50% rate discount when you set up automatic payments from an ENB checking account (and ENB also references autopay from an ENB deposit account in its rate disclosures).
Once approved, you can draw funds as needed (up to your available credit limit). Your available credit increases again as you repay what you’ve borrowed.
ENB states the personal line of credit has no fixed maturity date, giving you ongoing access if the account remains in good standing.
An ENB Secured Loan lets you borrow using your ENB Certificate of Deposit (CD) as collateral – so you can access funds while potentially qualifying for a lower rate than an unsecured loan.
No. With a CD-secured loan, you’re borrowing against your CD rather than closing it out – so you can avoid triggering early withdrawal penalties that may apply when you break a CD.
